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This home is in Neptune Beach — a home near Duncan U. Fletcher High School.

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Sold

Sold·Closed Oct 26, 2026·18 days on market·Recent sales in Neptune Beach

536 South Street

Neptune Beach, FL 32266

$865,000sold priceListed at $940,000 · 92% of asking$655/sqftMLS# 2164223

Beds

Baths

1,320

Sq Ft

1957

Built

—

Garage

Pool

FEMA Zone XNo HOA6,970 sqft lotSingle Family Residence1 story

About this home

Neptune Beach

A true beach house in the heart of Neptune, just a few blocks from the ocean. So rare for a home to come to market that has been thoughtfully redesigned and updated while also preserving glimpses of its original character. Inside, you'll find bright, open spaces filled with natural light. Large windows look onto beautiful landscaping, creating a private oasis. Situated on a large lot on one of the most coveted streets of Neptune Beach, this property is one of a kind. Just steps to the beach and seconds from Jarboe Park, with Beaches Town Center and its restaurants, coffee, local shops, and community just a short bike ride away. The value of the improvements already completed here is substantial! Major upgrades include updated electrical and plumbing, full interior and exterior paint (2025), interior remodel, backyard remodel (2025), HVAC (2025), water heater (2020), paver driveway (2018), all new premium windows (2018),architectural shingle roof (2017), and so much more

Next steps in Neptune Beach

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.32% · 30yr$4,754

Property taxesest. at asking price, Duval County$1,412

Estimated total, before insurance$6,166/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,462/yr · $372/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — 2017 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer · FL0020407 - City of Neptune Beach · Public water (record)

County records show this parcel on central sewer served by FL0020407 - City of Neptune Beach — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,755 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of September 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Closest beach access
North St
about 0.4 mi
Closest park or preserve
Dutton Island Preserve
13 min drive · 1.2 mi of trails
Closest public boat ramp
Oak Harbor Boat Ramp (Restricted to shallow draft boats)
about 3 mi · Atlantic ICW (Duval County)
Closest kayak & paddleboard launch
Tide Views Preserve Canoe Landing (Long Portage!)
about 2 mi · Pablo Creek
Closest youth league fields
Fletcher High School Pool
4 min drive · Baseball, Basketball, Football, Soccer, Volleyball, Lacrosse, Swimming
Closest grocery store
Publix
6 min drive · 580 Atlantic Blvd, Neptune Beach

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:35 AM, sunset 6:44 PM.

The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
Winter afternoons on the lanai run dim earlier than any other orientation.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,462/yr

Estimated taxes if purchased at asking price: ~$16,900/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

History

Price & status history

Oct 26, 2026Closed$940,000
Sep 29, 2026Active Under Contract$940,000
Sep 21, 2026Price change$940,000−$40,000
Sep 10, 2026Listed$980,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $630/sq ft; this home is listed at $712/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
416 Hopkins Street, Neptune Beach, FL 32266Listed by PREMIER REAL ESTATE	Sep 2026	$876,000	$561	4/2.5	1,562	47	0.4
1800 First Street, Neptune Beach, FL 32266Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS	Aug 2026	$990,000	$867	2/1.5	1,142	1	0.4
473 Hopkins Street, Neptune Beach, FL 32266Listed by JPAR CITY AND BEACH	Aug 2026	$637,500	$630	3/2	1,012	5	0.4
515 3rd Street, Neptune Beach, FL 32266Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY	Sep 2026	$1,450,000	$898	3/2.5	1,615	86	0.5
524 16th Avenue N, Jacksonville Beach, FL 32250Listed by 1 PERCENT LISTS FIRST COAST	Sep 2026	$735,000	$460	4/3	1,598	8	0.7
942 16th Avenue N, Jacksonville Beach, FL 32250Listed by YOUR PROPERTY REALTY LLC	Aug 2026	$668,000	$402	4/2.5	1,662	7	0.8

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$940,000

Price / Sq Ft$712

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,320

Total Structure Area1,745 sq ft

Acres0.16 acres

Year Built1957

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusClosed

# of Carport Spaces1

Has PoolNo

Is WaterfrontNo

Direction FacesSouth

School Information

ElementaryNeptune Beach

MiddleFletcher Jr High

HighDuncan Fletcher

Community Information

Address536 South Street, Neptune Beach, FL 32266

Area222-Neptune Beach-West

SubdivisionNeptune Beach

CityNeptune Beach

CountyDuval

StateFL

Zip Code32266

Lot Size6,969.6 sq ft

Lot Dimensions75 x 100

Parcel Number1732380000

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached Carport, Electric Vehicle Charging Station(s), Off Street

Interior

Interior FeaturesCeiling Fan(s), Open Floorplan, Primary Bathroom - Shower No Tub, Vaulted Ceiling(s)

AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

# of Stories1

LevelsOne

LaundryIn Carport

Spa FeaturesHeated, Above Ground

Exterior

Exterior FeaturesImpact Windows, Outdoor Kitchen, Outdoor Shower

Patio / PorchFront Porch, Patio

FencingBack Yard

RoofShingle

ConstructionBlock, Fiber Cement

Additional Information

Date ListedSeptember 10, 2026

Days on Market18

Tax Amount$4,461.95

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: COWFORD REALTY & DESIGN LLC

Sold by: NON MLS (realMLS) (buyer's brokerage)

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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